I'd like to take a shot at sharpening the line. The AI has agency when instead of being motivated by whatever you tell it to do, it is motivated by a need to make money to pay for its own cloud services bill and thus continue existing. Whats the point of an AI "owning" anything if it has no want or need of money? Once you have to start paying the computer, rather than merely expecting its obedience, then and only then does no one own it but itself.
I pay rent therefore I am.